PSS

What PSS does

Prvá stavebná sporiteľňa, a. s. (PSS) is a Slovak joint-stock building society founded in 1992 and headquartered in Bratislava, operating exclusively within Slovakia as a regulated financial institution. The company offers an integrated housing-finance platform built around three product pillars: state-supported building savings (mojeSPORENIE and mojeSPORENIE pre deti, with a 4% p.a. interest bonus and 6% government state premium), housing loans and mortgages (mojaHYPOTÉKA from 3.59% p.a., môjÚVER up to 50,000 EUR without property pledge, and môjDOMOV combining savings and loan at 1.8% p.a. guaranteed for the full repayment period), and intermediated insurance products (credit protection, property/household via UNIQA, life, and burial insurance). Digital infrastructure includes the mojaPSS customer portal for 24/7 account management and Sporenie Lišiak, a biometric-onboarded online savings product with 1.5% p.a. interest and zero fees.

The underlying technology stack is a conventional core-banking and savings platform supporting building society contracts, construction-loan origination, mortgage processing, and insurance brokering workflows, fronted by a digital self-service portal and an interactive product-selection wizard. Distribution is hybrid: eight regional sales offices in major Slovak cities plus a call center (02/58 55 58 55) provide in-person advisory, while the mojaPSS portal and online applications enable self-serve onboarding. Marketing combines content (PSS Pikošky blog, financial-literacy program Fingram, "Pod svojou strechou" podcast) with a referral program (MOJA ODMENA, 100 EUR vouchers).

Revenue is generated through three core mechanics: net interest margin between savings rates (subsidized by state premium and interest bonuses) and construction-loan/mortgage rates, contract and account-maintenance fees on building-savings products, and commissions from insurance intermediation (primarily UNIQA). The company reports 2.5 million clients served, 5 million contracts signed, and 12 billion EUR invested into Slovak housing over its 30+-year history. PSS has 251-500 employees, no disclosed parent company, no funding rounds, and no disclosed revenue figures.

Name

PSS

Legal name

Prvá stavebná sporiteľňa, a. s.

Website

https://pss.sk

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

251–500 employees

Short description

Prvá stavebná sporiteľňa (PSS) is a Slovak building society founded in 1992, offering state-supported housing savings, construction loans and mortgages, and intermediated insurance to individual Slovak consumers across eight regional offices and a digital portal.

Ownership category

akta.pro rank

Headquarters

HQ city

Bratislava

Offices8 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Building Savings (Stavebné sporenie): Long-term savings product with state premium support (6% up to 70 EUR in 2026) and interest bonuses (4% p.a. in current year). Generates revenue through contract fees, account maintenance fees, and the spread between savings rates and loan rates.
2. Construction Loans and Mortgages: Home financing products including mojaHYPOTÉKA (mortgage from 3.59% p.a.), môjÚVER (up to 50,000 EUR without property pledge), and môjDOMOV (construction loan from 1.8% p.a. with guaranteed rate). Revenue from interest margins and processing fees.
3. Insurance Intermediation: PSS intermediates insurance products including credit protection insurance, property and household insurance (via UNIQA), life insurance, and funeral insurance. Revenue through commissions from insurance partners.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

PSS is a Slovak building society providing state-supported building savings products (stavebné sporenie) with government premiums, construction loans, mortgages, and consumer loans, complemented by insurance intermediation (credit protection, property, household, life, and funeral insurance). The company serves approximately 2.5 million clients through 8 regional offices and the mojaPSS digital platform, focused exclusively on housing-related financial services for Slovak consumers and apartment building communities.

Product overview

Prvá stavebná sporiteľňa (PSS) is a Slovak building society offering a unified financial services platform centered on housing finance. The product portfolio consists of three core pillars: (1) Savings products including mojeSPORENIE, mojeSPORENIE pre deti, and Sporenie Lišiak with state premium eligibility; (2) Loan products including mojaHYPOTÉKA, môjÚVER, môjÚVER k HYPOTÉKE, môjDOMOV (combining savings and loan), and specialized products for apartment buildings; (3) Insurance products brokered through partners including credit protection, property/household insurance, life insurance, and burial insurance. Additional services include digital banking through mojaPSS portal, financial education programs, and various calculators. The company also offers promotional incentives like the ENERGO contribution for renewable energy financing. PSS serves approximately 2.5 million satisfied clients with over 5 million contracts signed and 12 billion EUR invested in housing.

Differentiator

Problem solved

Functional benefit

Products and services

• mojeSPORENIE Long-term building savings product with state bonus (4% interest bonus) and government premium eligibility, combining a saving phase with potential construction loan access for Slovak consumers seeking housing savings.
• mojeSPORENIE pre deti Building savings product designed for children, offering 4% interest bonus and state premium eligibility (no income test required for children under 18), including Extra istota protection, to help parents save for their children's future housing.
• Sporenie Lišiak Flexible online savings account with 1.5% p.a. interest, no fees for contract, deposits, withdrawals, or account maintenance, accessible 24/7 online with biometric identity verification for digital onboarding.
• môjDOMOV Combined building savings and construction loan product with guaranteed interest rate from 1.8% p.a. fixed for entire repayment period, rewarding regular saving with state premium during the savings phase.
• mojaHYPOTÉKA Mortgage product for property purchase or refinancing with interest rate from 3.59% p.a. at 3-year fixation, with insurance arranged by PSS and no additional account required.
• môjÚVER Construction loan up to 50,000 EUR without property collateral requirement, with repayment period up to 30 years and a 3-month payment deferral option, at interest rates from 3.09% p.a.
• môjÚVER k HYPOTÉKE Supplementary loan for additional housing financing needs, up to 50,000 EUR without property collateral, complementing an existing mortgage.
• Úver na vybavenie domácnosti Consumer loan up to 7,000 EUR for household furnishing and equipment with no documentation of receipts or invoices required.
• Poistenie pre váš úver Credit protection insurance that protects family members from adverse financial situations in case of an insured event, with the insurer paying the remaining loan balance to the bank.
• Poistenie pre váš dom a byt Comprehensive property and household insurance brokered through UNIQA, with coverage limit up to 2 million EUR, automatic indexation of insurance sum, and premium assistance services included.
• Životné poistenie Life insurance products including Život & radosť (Life & Joy), kapitálové životné poistenie (capital life insurance), and UNIQÁT RISK insurance for individual consumers.
• Pohrebné poistenie Burial insurance available up to age 85 without health examination, providing coverage for funeral costs with quick payout typically within 48 hours.
• Stavebné sporenie pre bytový dom Building savings product for apartment building communities (SVB/owners' associations) with up to 1% annual interest, state premium eligibility, and an advantageous refinancing loan option for building renovations.
• Úver pre bytový dom Loan product for apartment building renovations with guaranteed repayment for the entire loan term and interest rate fixation options of 5, 10, 15 years, or full repayment period.
• mojaPSS Online Banking Portal Online banking and customer portal for managing savings, loans, and insurance contracts with 24/7 access, electronic account statements, and digital onboarding capabilities including biometric identity verification.

Quantifiable outcome

• Interest bonus up to 4% p.a. on building savings in current year
• +3 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered minor and core.

• DepaulminorOthersNon-profit organization providing housing and social services that PSS supports as part of its corporate social responsibility program.
• Nadácia Kvapka nádejeminorOthersFoundation supporting children and families in difficult situations that PSS supports through its charitable programs.
• Nadácia EKOPOLISminorOthersFoundation focused on environmental sustainability that PSS supports as part of its ESG and community support initiatives.
• APPA (Asociácia pomoci postihnutým)minorOthersAssociation for people with disabilities that PSS supports through donations and the APPkA sports-charity application enabling employees to support rehabilitation and health aids.
• EDULABminorStrategic or Co-development PartnerNon-profit organization running the 'Mapa školského know-how' project for school education. PSS is general partner, providing financial literacy content for children including free educational videos and online courses for teachers.
• UNIQAcoreChannel Partner/ Reseller/ DistributorInsurance company through which PSS intermediates property, household, life, and funeral insurance products. PSS acts as insurance distributor for UNIQA.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Regional players

• Modrá pyramida stavební spořitelna: Czech building society owned by KBC Group, operating the same state-subsidized building savings model as PSS across the border. Closest Central European peer in terms of product mechanics and regulatory framework.
• ČSOB Stavební spořitelna: Czech building society subsidiary of ČSOB (KBC), operating the same government-supported building savings framework as PSS. Strong regional comparable for product portfolio and growth strategy.
• Bausparkasse Schwäbisch Hall: Germany's largest building society (subsidiary of Bausparkassengruppe Schwäbisch Hall), a deep European comparable for the building savings model, scale, and long-term customer relationships that PSS aspires to in the Slovak market.
• Raiffeisen Bausparkasse: Austrian building society affiliated with the Raiffeisen Banking Group, offering state-subsidized Bauspar contracts analogous to Slovak stavebné sporenie. Useful peer for product design and state-subsidy business model benchmarking.

Broad incumbents

• VÚB Banka: Universal bank in Slovakia (Intesa Sanpaolo Group) competing with PSS across mortgages, consumer credit, and savings, with significantly larger balance sheet and digital banking scale.
• UniCredit Bank Slovakia: Universal bank in Slovakia competing for mortgage and household savings share with PSS, while also serving SME and corporate segments that PSS does not address.
• Tatra banka: Leading Slovak universal bank (Raiffeisen Bank International subsidiary) with strong premium retail franchise; competes with PSS on mortgages and savings while offering fuller wealth management and corporate services.
• Slovenská sporiteľňa: Slovakia's largest universal bank (Erste Group subsidiary), competing directly with PSS in mortgage lending and household savings, but operating a much broader product suite including current accounts, cards, and corporate banking.

Others

• Allianz – Slovenská poisťovňa: Slovakia's largest insurer; adjacent peer given PSS's insurance intermediation business. Useful for benchmarking distribution economics in Slovak retail insurance, where PSS competes for cross-sell wallet share.

Direct peers

• Wüstenrot – stavebná sporiteľňa: The other major Slovak building society, operating the same state-supported stavebné sporenie model with savings, construction loans, and mortgages. Most directly comparable peer in the Slovak market for product mix, customer base, and regulatory framework.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@PSS.PrvaStavebnaSporitelna

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PSS